What Does a C-SNP Cover?

What Does a C-SNP Cover? 

• All Original Medicare Benefits: C-SNPs must cover everything that Original Medicare (Parts A & B) covers. 

• Prescription Drug Coverage: Most C-SNPs include Medicare Part D prescription drug coverage. 

• Condition-Specific Benefits: Extra benefits and care coordination tailored to your chronic condition (for example, disease management programs, nutrition counseling, or access to specialists). 

• Care Management: Dedicated care teams to help you manage your condition, medications, and appointments. 

• Additional Perks: Many plans offer dental, vision, hearing, transportation, and wellness benefits. 

Who Can Enroll in a Chronic Medicare Advantage Plan? 

You must: 

• Be enrolled in Medicare Part A and Part B 

• Live in the plan’s service area 

• Have a diagnosis of one or more qualifying chronic conditions (such as diabetes, cardiovascular disorders, chronic lung disorders, etc.) 

Advantages of Chronic Medicare Advantage Plans 

• Personalized Care: Plans are designed around your specific health needs. 

• Coordinated Support: Access to care managers and disease management programs. 

• Comprehensive Coverage: Includes hospital, medical, and prescription drug benefits. 

• Extra Benefits: May include transportation, over-the-counter allowances, and more. 

Disadvantages of Chronic Medicare Advantage Plans 

• Eligibility Required: Only available to those with qualifying chronic conditions. 

• Provider Networks: You may need to use doctors and hospitals in the plan’s network. 

How Much Do Chronic Medicare Advantage Plans Cost? 

Monthly premiums, copays, and out-of-pocket costs vary by plan and location. Many C-SNPs have low or $0 premiums, but costs can differ based on your chosen plan and the benefits offered. 

When Can You Enroll? 

You can enroll in a C-SNP during: 

• Your Initial Enrollment Period (when you first become eligible for Medicare) 

• The Annual Enrollment Period (October 15 – December 7) 

• A Special Enrollment Period (if you are newly diagnosed with a qualifying chronic condition)

Have questions or want to see if you qualify? 
Contact FTJ Senior Insurance today—our licensed agents are here to help you find the right Chronic Medicare Advantage plan for your needs.